Bank · FDIC insured
Watertown Savings Bank CD Rates
Watertown Savings Bank’s best CD rate is 3.09% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Watertown Savings Bank’s CD rates compare
Compared with banks and credit unions near Watertown, NY, where Watertown Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Watertown Savings Bank
3.09%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $309
Certificate of Deposit (CD)
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Watertown Savings Bank CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo0.76%
- 9–15 months9–15 mo3.09%
- 16–30 months16–30 mo1.28%
- 31–60 months31–60 mo1.02%
- QualifiedQualified3.09%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Watertown Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.09%APY · 7 terms
Maturity options from 6 months to 5 years. 6 mo. accounts are simple interest, paid quarterly and at maturity. 1 to 5-year accounts are compounded daily and credited quarterly and at maturity. Auto renewal is available. Penalties may be imposed for early withdrawals prior to maturity (waived upon death or mental incompetence of account holder).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSimple interest, paid quarterly and at maturity | 0.76% | $38 |
| 12 monthsCompounded daily and credited quarterly and at maturity | 3.09% | $309 |
| 18 monthsCompounded daily and credited quarterly and at maturity | 1.28% | $193 |
| 24 monthsCompounded daily and credited quarterly and at maturity | 0.87% | $175 |
| 36 monthsCompounded daily and credited quarterly and at maturity | 0.92% | $279 |
| 48 monthsCompounded daily and credited quarterly and at maturity | 0.97% | $394 |
| 60 monthsCompounded daily and credited quarterly and at maturity | 1.02% | $521 |
Sources (2)
- watertownsavingsbank.com/personal/cd-and-ira-accounts
- watertownsavingsbank.com/personal/deposit-account-rates
All captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 3.09%APY · 7 terms
Maturity options from 6 months to 5 years. 6 mo. accounts are simple interest, paid quarterly and at maturity. 1 to 5-year accounts are compounded daily and credited quarterly and at maturity. Auto renewal is available. Penalties may be imposed for early withdrawals prior to maturity (waived upon death or mental incompetence of account holder).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSimple interest, paid quarterly and at maturity | 0.76% | $38 |
| 12 monthsCompounded daily and credited quarterly and at maturity | 3.09% | $309 |
| 18 monthsCompounded daily and credited quarterly and at maturity | 1.28% | $193 |
| 24 monthsCompounded daily and credited quarterly and at maturity | 0.87% | $175 |
| 36 monthsCompounded daily and credited quarterly and at maturity | 0.92% | $279 |
| 48 monthsCompounded daily and credited quarterly and at maturity | 0.97% | $394 |
| 60 monthsCompounded daily and credited quarterly and at maturity | 1.02% | $521 |
Sources (2)
- watertownsavingsbank.com/personal/cd-and-ira-accounts
- watertownsavingsbank.com/personal/deposit-account-rates
All captured Sep 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.